Overview of the National Bank Allure Mastercard®
Earn rewards
On bills, entertainment, gas, groceries, other purchases, drug & pharmacy, restaurants (including fast food & drinks), travel (including flights, hotels, taxis, public transit)
National Bank Allure Mastercard® details
- Welcome bonus
- Earn 1 point for every $2 spent
- Annual fee
- $0
- Reward
- Earn 0.5x points on bills, entertainment, gas, groceries, other purchases, drug & pharmacy, restaurants (including fast food & drinks), travel (including flights, hotels, taxis, public transit)
- Average point value
- $0.008
- Purchase interest rate
- 20.99%
- Cash advance interest rate
- 22.49%
- Balance transfer interest rate
- 22.49%
- Minimum income
- Any amount
- Household income
- Any amount
- Recommended credit score
- 660+
- Network
- Mastercard
- Provider
- National Bank
- Card type
- Travel
Detailed card summary
Benefits & features
- Your cause. Your card. Created for today’s women, the Allure card allows you to contribute to the Quebec Breast Cancer Foundation.
- Earn 1 point for every $2 spent
- Receive $10 cashback for each 1,000 points earned
- Extended warranty*
- Purchase protection in case of theft or damage*
- National Bank ranks #1 among credit card issuers for Customer Experience according to the Forrester CX Index1.
How to redeem
Redemption flexibility
LOW
Once a year, a cashback will be automatically credited to your card. See the terms and conditions for cashback details.
How to get approved
Eligibility
- Minimum income Any
- Household income Any
- Recommended credit score 660+
- You are a permanent Canadian resident and have reached the age of majority in the province in which you live.
Legal
Cashback details
The cashback is based on a point-accumulation system. You get 1 point for every $2 you spend using your Allure Mastercard® credit card, providing your account is in good standing. Once a year, in January, you will receive a $10 cashback for every 1,000 points earned. The cashback will be paid as a credit applied to your account and cannot be paid in cash. Your account is considered to be in good standing when you fulfill the obligations under your cardholder agreement (e.g., make the minimum payment by the due date). Interest charges, annual fees, balance transfers, cash advances, service charges, insurance premiums, promotional Mastercard cheques and refunded purchases are not eligible for rewards points. For details, see the Terms and conditions [PDF].
Credit Terms
Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.
Example of credit charges over a 30-day period
Annual interest rate | Average balance | |
$500 | $3,000 | |
22.49% | $9.24 | $55.45 |
20.99% | $8.63 | $51.76 |
12.90% | $5.30 | $31.81 |
8.9% | $3.66 | $21.95 |
*Variable interest rate in effect on September 1, 2021
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
Purchase protection and Extended warranty
Purchase protection applies provided the purchases or expenses are charged to the National Bank Allure Mastercard® credit card account. Certain conditions and restrictions apply. For more information, please consult the insurance certificate for your credit card.
Extended warranty coverage applies to most new articles purchased with the card, in Canada or abroad, provided the manufacturer’s warranty is valid in Canada. Certain conditions and restrictions apply. For more information, please consult the guarantee certificate for your credit card.
Contribution to QC Breast Cancer Foundation
National Bank donates $0.10 for every $10 charged to an Allure Mastercard® credit card account over a 12-month period to the Quebec Breast Cancer Foundation. The annual donation is capped at $750,000.
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